Mortgage not in my name

Welcome to the LoanSafe Forums!
Get free mortgage help today. Since 2007, the LoanSafe forums have helped millions of homeowners over the last 13 years either save their homes with a loan modification, obtain a short sale, forbearance, or walk away legally from their underwater mortgages.
Register for FREE


LoanSafe Member
Nov 9, 2008
5 years ago my husband and I were trying to get a house but because of some finacial issues we couldn’t get a mortgage. My father put the mortgage in his name and we pay the bill every month. Mine and my husbands names are on the deed along with my fathers. If something were to happen to my father could we be in risk of loosing the house to the estate since our name isn’t on the mortgage? Thank you for your help

Erik Sandstrom

Mortgage Expert - Call 1-619-379-8999
Staff member
Loan Safe Mortgage
Jan 14, 2011
San Diego, California
If the servicer knows that the borrower passed away they may not be willing to accept payments on the mortgage. I've seen that happen before but I don't want to say that's what would happen.

For future reference or if you qualify now (rates are great) - as long as you've been on title for 12 months and can provide proof you have been making the payments from your own funds you can refinance the property into your name(s). Feel free to give me a call if you have any questions about that or e-mail: [email protected] or 619-379-8999

Jeffrey L. Shurtliff

LoanSafe Member
Dec 4, 2010
However if the borrower bought insurance to pay off the house , leaving it to the ones on the deed, would probably work.